Chapter 7 is known as "straight" or "liquidation" bankruptcy. It requires an individual to give up property that is not "exempt" under the law, so the property can be sold to pay creditors. Generally, those who file a Chapter 7 are allowed keep all of their property except property which is very valuable or which is subject to a lien which they cannot avoid or afford to pay. A Chapter 7 case is usually completed within 90-120 days from the date of filing.

Chapter 13 is a type of reorganization used by individuals to pay all or a portion of their debts over a period of years using their current income.

Chapter 12 is reserved for family farmers or fishermen.

Chapter 11 is a reorganization used by businesses and individuals whose debts are too large to qualify for Chapter 13.

Please see Chapters 7, 12 and 13 headings for more detailed information regarding each type of bankruptcy. I do not handle Chapter 11 cases; therefore have not included detailed information regarding Chapter 11 on this website.

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